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["Personal Bank Statement Program Income Calculator"]
[]
[]
["Account Information"]
["Name on Account ","Acme Brick",null,"Choose 12 or 24 Months:",24,null,"Results Analysis"]
["Financial Institution ","Acme Bank",{"$nulls":4},"Total Qualifying Deposits:",{"$nulls":6},{"$f":"T39","v":{"v":2355000,"d":"$2,355,000"}}]
["Account Number:",1313,{"$nulls":4}," Monthly Qualifying Income Based on Deposits:",{"$nulls":6},{"$f":"N6/E5","v":{"v":98125,"d":"$98,125"}}]
["Borrower Name:","joe doe",null,"Order of Bank Statements:","Ascending",null,"PLEASE INPUT: Monthly Income entered on 1003:",{"$nulls":6},{"v":140000,"d":"$140,000"}]
["Underwriter:","gayla",{"$nulls":4},"Monthly Qualifying Income:",{"$nulls":6},{"$f":"MIN(N7:O8)","v":{"v":98125,"d":"$98,125"}}]
["ARC Loan Number:",1234]
["Date",{"$f":"TODAY()","v":"2020-07-10"}]
[]
[]
["Month","Statement End Date                                 (must be recent and consecutive)","*NSFs","Total Monthly Deposits","**Ineligible deposits to be subtracted  (input figures as positive numbers)",{"$nulls":14},"Total Adjusted Deposits"]
[1,"2018-07-01",0,{"v":100000,"d":"$100,000"},{"$nulls":15},{"$f":"SUM(D15,-(SUM(E15:S15)))","v":{"v":100000,"d":"$100,000"}},null,{"$f":"SUM(C15:C26)","v":0}]
[2,{"$f":"IF($E$8=\"Ascending\",EDATE(B15,1),EDATE(B15,-1))","v":"2018-08-01"},0,{"v":100000,"d":"$100,000"},{"$nulls":15},{"v":100000,"d":"$100,000"},null,{"$f":"SUM(C16:C27)","v":0}]
[3,{"$f":"IF($E$8=\"Ascending\",EDATE(B16,1),EDATE(B16,-1))","v":"2018-09-01"},0,{"v":100000,"d":"$100,000"},{"$nulls":15},{"v":100000,"d":"$100,000"},null,0]
[4,"2018-10-01",0,{"v":100000,"d":"$100,000"},{"$nulls":15},{"v":100000,"d":"$100,000"},null,0]
[5,"2018-11-01",0,{"v":100000,"d":"$100,000"},{"$nulls":15},{"v":100000,"d":"$100,000"},null,0]
[6,"2018-12-01",0,{"v":100000,"d":"$100,000"},{"$nulls":15},{"v":100000,"d":"$100,000"},null,0]
[7,"2019-01-01",0,{"v":100000,"d":"$100,000"},{"$nulls":15},{"v":100000,"d":"$100,000"},null,0]
[8,"2019-02-01",0,{"v":100000,"d":"$100,000"},{"$nulls":15},{"v":100000,"d":"$100,000"},null,0]
[9,"2019-03-01",0,{"v":100000,"d":"$100,000"},{"$nulls":15},{"v":100000,"d":"$100,000"},null,0]
[10,"2019-04-01",0,{"v":100000,"d":"$100,000"},{"$nulls":15},{"v":100000,"d":"$100,000"},null,0]
[11,"2019-05-01",0,{"v":100000,"d":"$100,000"},{"$nulls":15},{"v":100000,"d":"$100,000"},null,0]
[12,"2019-06-01",0,{"v":100000,"d":"$100,000"},{"$nulls":15},{"v":100000,"d":"$100,000"},null,0]
[13,"2019-07-01",0,{"v":100000,"d":"$100,000"},{"$nulls":15},{"v":100000,"d":"100,000"},null,0]
[14,"2019-08-01",0,{"v":100000,"d":"$100,000"},{"$nulls":15},{"v":100000,"d":"100,000"},null,0]
[15,"2019-09-01",0,{"v":100000,"d":"$100,000"},{"$nulls":15},{"v":100000,"d":"100,000"},null,0]
[16,"2019-10-01",0,{"v":100000,"d":"$100,000"},{"$nulls":15},{"v":100000,"d":"100,000"},null,0]
[17,"2019-11-01",0,{"v":100000,"d":"$100,000"},{"$nulls":15},{"v":100000,"d":"100,000"},null,0]
[18,"2019-12-01",0,{"v":100000,"d":"$100,000"},{"$nulls":15},{"v":100000,"d":"100,000"},null,0]
[19,"2020-01-01",0,{"v":100000,"d":"$100,000"},{"$nulls":15},{"v":100000,"d":"100,000"},null,0]
[20,"2020-02-01",0,{"v":100000,"d":"$100,000"},{"$nulls":15},{"v":100000,"d":"100,000"},null,0]
[21,"2020-03-01",0,{"v":100000,"d":"$100,000"},{"$nulls":15},{"v":100000,"d":"100,000"},null,0]
[22,"2020-04-01",0,{"v":85000,"d":"$85,000"},{"$nulls":15},{"v":85000,"d":"85,000"},null,0]
[23,"2020-05-01",0,{"v":85000,"d":"$85,000"},{"$nulls":15},{"v":85000,"d":"85,000"},null,0]
[24,"2020-06-01",0,{"v":85000,"d":"$85,000"},{"$nulls":15},{"v":85000,"d":"85,000"},null,0]
[{"$nulls":17},"Total Allowable Deposits:",null,{"$f":"IF(E5=24,SUM(T15:T38),SUM(T15:T26))","v":{"v":2355000,"d":"$2,355,000"}}]
[]
["* Only deposits can be used; transfers from a business account into a personal account are acceptable with proof, other transfers are not acceptable. "]
["** No more than 3 NSF in a consecutive 12-month period"]
["DISCLAIMER:"]
["The information provided via this calculator are intended for illustrative purposes for mortgage professionals only; accuracy is not guaranteed.  "]
["The results provided do not constitute either a pre-qualification or a credit decision.  "]
["Qualification for loan programs that are offered by Arc Home requires specific borrower, property and other applicable information to be reviewed by an Arc Home underwriter."]

{"sheet":"Covid Special Considerations","index":1,"n_rows":20,"n_cols":7,"rows_kept":20}
[null,"Months April 2020 or onward:",{"$f":"COUNTIF(IF('Personal Bk Stmt Calculator'!E5=12,'Personal Bk Stmt Calculator'!B15:B26,'Personal Bk Stmt Calculator'!B15:B38),\">3/31/2020\")","v":3},null,null,"Months Prior to April 2020",{"$f":"IF('Personal Bk Stmt Calculator'!E5=12,COUNTIF('Personal Bk Stmt Calculator'!B15:B26,\"<4/1/2020\"),COUNTIF('Personal Bk Stmt Calculator'!B15:B38,\"<4/1/2020\"))","v":21}]
[]
[null,"Eligible Deposits, April 2020 or onward:",{"$f":"IF('Personal Bk Stmt Calculator'!E5=12,SUMIF('Personal Bk Stmt Calculator'!B15:B26,\">3/31/2020\",'Personal Bk Stmt Calculator'!T15:T26),SUMIF('Personal Bk Stmt Calculator'!B15:B38,\">3/31/2020\",'Personal Bk Stmt Calculator'!T15:T38))","v":{"v":255000,"d":"255,000.00"}},null,null,"Eligible Deposits, Prior to April 2020",{"$f":"IF('Personal Bk Stmt Calculator'!E5=12,SUMIF('Personal Bk Stmt Calculator'!B15:B26,\"<4/1/2020\",'Personal Bk Stmt Calculator'!T15:T26),SUMIF('Personal Bk Stmt Calculator'!B15:B38,\"<4/1/2020\",'Personal Bk Stmt Calculator'!T15:T38))","v":{"v":2100000,"d":"2,100,000.00"}}]
[]
[]
[null,"Average Monthly Income April 2020 Onward",{"$f":"C3/C1","v":{"v":85000,"d":"85,000.00"}},null,null,"Average Monthly Income Prior to April 2020",{"$f":"G3/G1","v":{"v":100000,"d":"100,000.00"}}]
[]
[null,"Average Monthly Income Change, April 2020 ",{"$f":"(C6-G6)/G6","v":{"v":-0.15,"d":"-15.00%"}}]
[]
[]
[]
[null,"Bank Statement Qualifiaction Guide Post Covid 2020"]
[]
["Review to determine Additional Restrictions:","Reduction in income","Expense ratio addition","Reduction in LTV","Additional reserves","LOE"]
[{"$f":"IF(AND($C$8<0,$C$8>=-0.05),\"This Row May Apply\",\" \")","v":" "},"≤ 5%","No Change","No Change","No Change","None"]
[{"$f":"IF(AND($C$8<-0.05,$C$8>=-0.1),\"This Row May Apply\",\" \")","v":" "},"≤ 10%",{"v":0.05,"d":"5%"}," 5% from limit","3 months","Steps taken to return to typical revenue"]
[{"$f":"IF(AND($C$8<-0.1,$C$8>=-0.2),\"This Row May Apply\",\" \")","v":"This Row May Apply"},"≤ 20%",{"v":0.1,"d":"10%"},"10% from limit","6 months","Steps taken to return to typical revenue"]
[{"$f":"IF(AND($C$8<-0.2,$C$8>=-0.3),\"This Row May Apply\",\" \")","v":" "},"≤ 30%",{"v":0.15,"d":"15%"},"10% from limit","9 months","Steps taken to return to typical revenue and P&L is Required"]
[{"$f":"IF(AND($C$8<-0.3,$C$8>=-0.4),\"This Row May Apply\",\" \")","v":" "},"≤ 40%",{"v":0.2,"d":"20%"},"Case by Case","Case by Case","Steps taken to return to typical revenue and P&L is Required"]
[{"$f":"IF(C8<-0.400000001,\"These Restrictions May Apply\",\" \")","v":" "},"> 40%","Does not qualify","Does not qualify","Does not qualify","Does not qualify"]

{"sheet":"Sheet2","index":2,"n_rows":6,"n_cols":9,"rows_kept":6,"hidden":true}
[12,{"$nulls":7},{"$f":"MAX('Personal Bk Stmt Calculator'!V15:V38)","v":0}]
[24]
[]
[]
["Ascending"]
["Descending"]